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The front tires are completely done and needs replacing asap.
The rear is pretty much brand new but the ratings of the tires is 91T (General Tire Evertrek RT)

Size is 205/55/16, the stock size of my car.

OEM speed rating is H I believe

Questions?
-is it safe to run T speed rating tires on my car?
-is it legal to run a lower speed rating than OEM (legal/insurance/etc)

What should I do? (..If you were me)
-should I try to match my rear tires and buy another set of T rating tires?
-should I go ahead and buy tow new tires with speed rating for H (oem spec)
-should I ditch the T rating tires and just buy all 4 matching tires with speed rate H

yes you can run lower speed rated tires, they put micro chips in tires now so the cars TPMS will pick up the speed rating and tell the cars computer and it will limit the Max speed to the rating of the tire

A speed rating of T indicates that the tire is designed to be operated at sustained speeds of no more than 118 mph. Are you planning to drive at sustained speeds higher than 118 mph? If not I wouldn't worry about having T rated tires.

If however you are interested in sports performance then you may want to select a set of tires that is designed to maximize those attributes; lateral grip, stopping distance etc. The tires on the rear of your car are probably designed to provide all weather traction, long tread life and comfort over performance. If those are important to you then you should just get two of the same tires for the front.

I am not well versed in the laws in Canada, but here in the US there are no laws that you must put the OE tires on a car nor would an insurer care what tires you had on the car, so long as they were in good shape and designed to be used on passenger cars of the basic configuration of your car.